Paid my last payment this month and what a relief it is finished and I paid backed more than what was agreed at the start. Just finishing of last final bits yippee!
To everyone who is just starting their IVA or still feels they have a long way to go, good luck and stick with it. The feeling at the end when you are debt free is amazing and you can start your life over with valuable lessons learnt along the way.
The thing that helped me most was coupon for food and toiletries. It is amazing what you can get for free or pay hardly anything. There is always a way to make your money to further.
Hope this helps others
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